Stripe Fee Tiers in United States
Stripe charges different rates in United States depending on where the customer's card was issued. There are 2 fee tiers, from 2.9% for domestic cards to 4.4% for international cards.
| Card Type | Rate | Fixed Fee | Conversion Fee | Total on $100.00 |
|---|---|---|---|---|
| Domestic card | 2.9% | $0.30 | — | $3.20 |
| International card | 4.4% | $0.30 | +1% | $4.70 |
+0.5% for manually entered cards
Example Fee Calculations (USD)
See exactly how much Stripe charges for common transaction amounts in United States, broken down by card type. Effective rate shown on the right.
Stripe Fees Calculator for United States
Adjust the amount, card type, and volume to calculate your exact Stripe fees in USD.
+0.5% for manually entered cards
Fee breakdown per transaction
Volume projections
Based on Stripe's published pricing for United States. Fees are in USD. Actual fees may vary.
Did you know?
On top of these processing fees, Stripe charges an extra 0.4% per invoice if you use Stripe Invoicing.
We can help you eliminate that fee entirely.
How Stripe Fees Work in United States
Stripe uses a percentage + fixed fee model in United States. Every successful card transaction incurs a 2.9% processing fee plus a fixed $0.30 charge in USD. The rate varies by card origin — United States has 2 fee tiers ranging from 2.9% to 4.4%.
Unlike the EU, United States does not regulate interchange fees, which means card networks set their own rates. This results in higher domestic processing fees compared to European markets. Stripe also charges an additional 0.5% for manually entered card numbers (card-not-present without tokenized credentials).
The fixed fee component ($0.30) means smaller transactions have a proportionally higher effective rate. For example, a $50.00 transaction costs 1.75 in fees (3.50% effective), while a $2,000.00 transaction costs just 2.92% effectively.
United States vs Other Americas Countries
How do Stripe fees in United States compare to other countries in the Americas region?
How to Reduce Stripe Fees in United States
- Eliminate the invoicing fee — Use Stripdo instead of Stripe Invoicing to avoid the 0.4% per-invoice fee in United States. Saves hundreds to thousands per year depending on invoice volume.
- Offer ACH bank transfers — ACH payments cost just 0.8% capped at $5, compared to 2.9% + $0.30 for cards. Encourage bank transfers for larger invoices and recurring payments.
- Minimize currency conversions — Accept payments in USD when possible to avoid the 1% conversion fee. Use multi-currency settlement if you serve international customers.
- Save card details for returning customers — Avoid the +0.5% surcharge for manually entered card numbers by tokenizing customer cards on first purchase.
- Negotiate volume pricing — If you process over $100,000/month in United States, contact Stripe for custom pricing. Volume discounts typically reduce the percentage fee by 0.2–0.5%.
- Reduce chargebacks — Each dispute costs $15 regardless of outcome. Use clear billing descriptors, responsive support, and Stripe Radar (included free) to minimize fraudulent transactions.
The easiest way to save on Stripe fees in United States is to eliminate the 0.4% invoicing fee. Calculate your savings →
Stripe Fees in United States — FAQ
What are Stripe's fees in United States?
Stripe charges 2.9% + $0.30 per successful domestic card transaction in United States. International cards are charged at 4.4% + $0.30 plus a 1% currency conversion fee. All fees are in USD.
How much does Stripe charge for a $200.00 transaction in United States?
For a $200.00 domestic card transaction in United States, Stripe charges $6.10 in fees (2.9% + $0.30). You receive $193.90. The effective fee rate is 3.05%.
Does Stripe charge different rates for international cards in United States?
Yes. In United States, international cards are charged 4.4% + $0.30, compared to 2.9% + $0.30 for domestic cards. An additional 1% currency conversion fee applies when the payment currency differs from USD.
How do Stripe fees in United States compare to other Americas countries?
United States's domestic rate of 2.9% compares to Canada (2.9%), Brazil (3.99%), Mexico (3.6%) in the Americas region. Some Americas countries offer lower domestic rates.
Can I reduce my Stripe fees in United States?
While Stripe's core processing fees in United States (2.9% + $0.30) are non-negotiable for standard accounts, you can eliminate the 0.4% invoicing fee by using Stripdo instead of Stripe Invoicing. You can also encourage ACH bank transfers (0.8%, capped at $5) for larger payments. Businesses processing over $100K/month can negotiate custom pricing with Stripe.
What currency does Stripe use in United States?
Stripe processes payments in USD ($) in United States. The fixed fee per transaction is $0.30. When customers pay in a different currency, an additional conversion fee of 1% may apply.
Are there any additional Stripe fees in United States?
Yes. +0.5% for manually entered cards. Additionally, Stripe charges 0.4% (capped at ~$2 equivalent) for Stripe Invoicing, $15 per dispute/chargeback, and optional fees for Stripe Radar, Tax, and Connect.
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